Bump Map Settings

The image above used a scale of 40 inches and an intensity of 0.20

These are examples of different settings of bump maps using the Wrinkled Procedural Bump Map to create a water effect. Notice how the sky and building are reflected in the water.
The larger scale would make more sense for larger bodies of water.

This image uses a scale of 200 and intensity of 0.50.

Water Material as Ground Plane

For this example we added a "bump" water material as the ground plane.